You need to speak to one or two companies for advice - we have several who post on here you could contact, including Vincent Bond who are one of the sponsors. How much are your debts as another solution might be available.

http://kallis3.blogs.iva.co.uk/Sharing from experiences of dealing with debt The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.Bob Marley.

As Kallis says, you need to speak to an IVA provider -- I would suggest chatting to a couple as they do all operate differently and have differing standards of customer care and you need to find one that suits you -- who you feel comfortble with.